Don’t assume your insurance company will help after an accident

On Behalf of | Apr 6, 2020 | Car Accidents

Imagine a situation in which you suffer a serious injury, such as a broken neck or skull fracture, in a motor vehicle accident. Not only do you have to concern yourself with your injury and a long road to recovery, but you also have concerns about your financial well-being and damage to your vehicle.

As your injury allows, you realize the importance of filing an insurance claim. While you hope that your agent will take you under their wing and show you the way, don’t let them fool you. They’ll do what’s in the best interest of their company. So, you need to personally take steps to protect your legal rights.

Here’s what you should do:

  • Review your insurance policy: This is the contract between you and your insurance company. You should receive compensation in line with the coverage you’ve been paying for. Don’t let your insurance company off the hook.
  • Beware of a lowball offer: Your insurance company may attempt to sweep your case under the rug by quickly giving you a lowball offer. Many people make the mistake of taking it, as they want to put this chapter of their life in the past. Don’t be so quick to accept an offer, as you could be leaving a lot of money out there.
  • Don’t say too much: The more you talk, the greater chance there is that you’ll slip up and say something that could harm your ability to receive all the compensation you deserve. You have the right to turn down any requests from your insurance company to provide a written or recorded statement.
  • Take your time: You need to act fast when filing a claim, but don’t let your insurance agent pressure you during the process. When this happens, you’re more likely to make a rash decision that doesn’t benefit you.

The biggest mistake you can make is assuming that your insurance company is on your side. Even if they’re being kind and helpful, don’t put too much trust in them.

When you take steps to protect your legal rights, you better position yourself to receive compensation for everything from your injuries to lost wages.